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American Express Credit Cards

Designed for a variety of spending habits, American Express credit cards offer the prestige, perks and points you’d expect.

Whether you’re an avid traveller, a small business owner or a big spender, American Express offer credit cards to suit a range of spending habits and lifestyles. Choose from no annual fee, travel rewards, cash back and business credit cards.

Depending on the Amex card you choose, you could also receive welcome bonus points, Membership Rewards, Air Miles or Aeroplan points. American Express cards also come with a variety of complimentary extras, from purchase and travel insurance to concierge services, airport lounge passes and travel vouchers.

Our guide covers the different types of American Express cards offered, including features and benefits of the different cards. Learn about the eligibility requirements, as well as how to apply for an American Express credit card.

American Express Credit Card Comparison

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Receive 5% cashback (up to $300 cashback) in the first six months.
19.99%
22.99%
$99
Offers 1.99% balance transfer rate in the first 6 months to new cardmembers. No balance transfer fee upon application.
Offers 40,000 bonus Aeroplan Miles when you spend $3,000 within the first three months.
N/A
N/A
$499
Get free annual partner ticket and unlimited access to Air Canada Maple Leaf Lounges as well as Air Canada priority check-in.
Earn 2,500 points with minimum spend of $500 for each billing period. Up to 30,000 bonus points in your first year.
19.99%
22.99%
$120
Earn 5x points per $1 spent on eligible dining transactions, 2x points on travel and 1 point on all other spend.
Earn 2.5% cash back (up to $150 cash back) in the first three months.
19.99%
22.99%
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 150 AIR MILES Reward Miles when you spend $1,000 within the first 3 months of membership.
19.99%
22.99%
$0
Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.
Receive 50,000 bonus Membership Rewards points when you spend $3,000 within the first three months of membership.
N/A
N/A
$699
Get up to $200 bonus travel credit every year.
Receive 2,000 bonus AIR MILES Reward miles when you spend $1,500 within the first three months of membership.
19.99%
22.99%
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 2,000 bonus AIR MILES Reward miles when you spend $5,000 within the first 3 months of membership.
N/A
N/A
$180
Earn 1 mile for every $10 spent at eligible sponsors and 1 mile for every $15 spent anywhere else.
Receive 2,400 Air Miles Reward Miles when you spend $3,000 within first three months of membership.
19.99%
22.99%
$299
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Receive 25,000 bonus Membership Rewards points when you spend $1,500 within the first three months of membership.
N/A
N/A
$150
Earn 2 points for every dollar you spend on eligible travel and purchases and 1 point for every dollar you spend elsewhere.
Receive 40,000 points when you spend $5,000 within first three months of membership.
N/A
N/A
$499
Earn 1.25 points for every dollar you spend with no limit to the number of points you can accumulate.
Receive 50,000 bonus Marriott Bonvoy™ points when you charge $1,500 in the first 3 months of card membership.
19.99%
22.99%
$120
Receive 5 Marriott Bonvoy™ points per dollar spent on eligible purchases at participating Marriott Bonvoy™ properties, and 2 points per dollar on other spend.
Offers 15,000 bonus Aeroplan Miles when you spend $1,500 within your first 3 months of membership.
N/A
N/A
$120
Earn 1 Aeroplan Mile for every dollar you spend up to $10,000 and 1.25 Aeroplan Miles for every dollar spent over $10,000 per year.
Offers 5,000 Bonus Aeroplan Miles when you spend $500 in the first three months of membership. For new cardmembers only.
N/A
N/A
$60
Earn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 150 Aeroplan partner brands.
Receive 50,000 Marriott Bonvoy™ points when you charge $1,500 in the first 3 months of card membership.
19.99%
22.99%
$150
Receive 5 Marriott Bonvoy™ points per dollar spent on eligible purchases at participating Marriott Bonvoy™ properties, and 3 points for every dollar spent on eligible gas, dining and travel.
Offers 50,000 bonus Aeroplan Miles when you spend $3,000 within the first three months of membership.
19.99%
22.99%
$899
Receive a bonus $200 in annual travel credit to use towards flights, car rentals, hotels and more.
Offers 30,000 bonus points when you spend $5,000 within the first three months of membership.
N/A
N/A
$250
Earn one point for every dollar spent and one additional point for every dollar spent at three eligible merchants of your choosing.

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Types of American Express credit cards

American Express credit cards are designed for both personal and small business use. Aside from offering regular credit cards, Amex also offers a small selection of charge cards. Charge cards have similar features and benefits to regular credit cards but require you to pay the account balance in full by the statement due date (instead of letting you carry a balance and charging interest on the unpaid balance). Here’s a summary of each of the main types of American Express credit cards you can choose from:

  • Lifestyle credit cards

Referred to as “lifestyle credit cards”, these cards come with a variety of different costs and benefits. Ranging from low monthly fees to high annual fees, American Express offer a selection of cards that provide varying perks based on your lifestyle and spending habits. Choose from platinum, gold and cobalt cards that provide membership rewards points, welcome bonus points, a host of travel insurances and shopping and dining benefits. In addition, these cards come with buyer protection and points per dollar spent. Depending on the card you choose, you can redeem your points toward flights, concerts, merchandise and more.

  • Cash back credit cards

There are a couple of cash back credit cards on offer from American Express. These credit cards offer varying cash back rates and have no limits or restrictions on the amount of cash back you can earn. In addition, these cards offer bonus cash back welcome rates, buyer protection and varying travel, dining and entertainment benefits.

  • Travel rewards credit cards

American Express offer a wide range of credit cards that are tailored toward frequent travellers or those looking to benefit from travel rewards points. Choose from a variety of Air Miles, Aeroplan and Marriott Bonvoy cards that allow you to transfer your points toward participating airline and hotel programs. Partners include Delta, Etihad and British Airways, among others. These cards range from zero or low annual fees to higher annual fees for cards with more perks and benefits. Depending on the card you choose, these cards typically come with complimentary travel insurances, airport lounge access, concierge services and bonus travel rewards points.

  • Charge credit cards

There is a small range of charge credit cards on offer from American Express. These cards usually come with annual fees, however they also typically come with competitive welcome bonus point offers, a host of complimentary travel insurances, rewards points per dollar spent and buyer protection. Depending on the card you choose, you may also have complimentary airport lounge access.

  • Business credit cards

American Express offer a range of credit cards designed specifically for businesses. These cards come with a variety of useful features and benefits, including additional cardholders to manage employee spending and tools to track your business expenditure. There are also Amex business credit cards that earn Membership Rewards, Air Miles Rewards or Marriott Bonvoy Points on business spending, as well as offering free welcome bonus points.

The benefits of banking with American Express

Here are some of the features you could enjoy if you get an American Express credit card.

  • American Express Rewards

American Express Membership Rewards points can be used for a variety of different purchases and experiences including travel, entertainment and dining, shopping and merchandise. You can also use Member Rewards to pay for concert tickets on TicketMaster. In addition, some points programs allow you to transfer points to participating airline and hotel programs including Etihad, Delta, British Airways and airlines that accept Aeroplan miles and Asia Miles.

  • American Express Internet and mobile banking

American Express has a range of cards that are compatible with mobile payment systems including Apple Pay, Google Pay and Samsung Pay, which means you can use your mobile device to make payments at the checkout. In addition, you can access your account online or via the Amex mobile app. This means you can manage your account, pay bills and request a credit limit increase or apply for another MEXproduct at any time online or via the mobile app.

  • American Express complimentary extras

Amex cards come with buyer, purchase and fraud protection alongside a host of other complimentary extras. Depending on the card you choose, you may be offered travel insurance, shopping and dining perks, concierge services, airport lounge access, luxury travel benefits, car rental insurance and more.

  • American Express credit cards security

American Express protect clients from any fraudulent activities with their state-of-the-art fraud monitoring system. You will be contacted if there is an suspicious or unusual activity on your credit card account. Alternatively, if you detect fraudulent activity on your credit card, contact American Express immediately. They offer 24/7 access to customer service.

How to apply for an American Express credit card

If you’ve compared a variety of credit card providers and decided to apply for an American Express credit card, you can do so online in around 10 minutes. Before you apply, make sure you meet the eligibility requirements and have all the relevant documents on hand.

Eligibility criteria

  • How old are you? Applicants must be at least 18 years old, or the age of majority in your province or territory.
  • What is your Canadian residency status? You’ll need to be a Canadian resident with a Canadian credit file.

Information you will need for your application

If you meet the eligibility requirements, you can proceed with your application by collecting the following information:

  • Personal information. You’ll need to provide personal details including your full name, email address, phone number, residential address and a valid form of ID, such as your driver’s licence or passport number.
  • Financial and employment information. This includes your current job, your employer’s contact information or your accountant’s details if you’re self-employed. You’ll also need to provide details of your annual income. You may need to provide information about your ongoing expenses, such as rent or mortgage payments, your weekly budget, loan repayments and any existing credit card debts.
American Express offer a variety of credit cards that cater to both individuals and business owners. Whether you are a frequent traveller, a small business owner or a big spender, there are credit cards to suit different lifestyles and spending habits. Be sure to compare your options before applying for a credit card, since there are so many different products on the market.

Frequently asked questions

Do you have a question about American Express credit cards? Check the FAQs below for answers to common questions.

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